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Business Banking

Enjoy friendly, personalized service with every business transaction.

Business Checking

  • Unlimited check writing
  • No service fees on deposits
  • Low monthly balance requirement and a monthly service charge that won't exceed $5.00

Business Now Account

  • Reasonable rates
  • Interest-bearing account that requires just $1,000.00 and non-cash deposits earn interest on the day of deposit
  • Small fee of just .20 cents on each check deposited and each check written. A monthly service charge of just $7.00 if you fall below $1,000.00. Note that Business Now Accounts are only available to sole proprietors.

Business Loans, Credit Lines and Term Loans

We offer financing to suit your organization's specific needs, with a variety of rates, terms and payment schedules. Why not let First Northern Bank & Trust help you purchase equipment or expand your business?

Lines of Credit

Lines of credit give you flexibility in borrowing by providing immediate access to cash. They are the ideal choice when you need working capital to fund business needs like accounts receivable and inventory.

Letters of Credit

A domestic letter of credit is used when your business needs to buy goods on credit or enter into a contract requiring a bond or deposit.

Business Online Banking

Business Online Banking Application (PDF) | Online Banking Addendum (PDF)

Commercial Mortgages

Financing for a new business location, an addition or expansion.

Statements on CD-ROM

Have all your financial information at your fingertips in a flash! At your request, we can provide your account statement and images on a CD-ROM. This is a terrific alternative to paper statements, especially if you plan to place important records in long-term storage. A small monthly fee may apply.

Cash Management

These services are available to businesses at a nominal charge. With cash management, you can transmit automatic clearinghouse debits and credits, manage your payroll, perform wire transfers, and transfer and manage account balances online 24/7. You also control individual authorization and access levels for each employee in your company. Files are downloadable in a variety of formats and can be imported into most software applications. Call for more information.

MasterCard/VISA Merchandising Services

Accepting credit cards at your business can improve sales, reduce check fraud losses and provide an accurate, cost-effective way to track transactions. We offer a variety of plans and equipment. Call for more details.

Electronic Check Recovery Service

First Northern Bank & Trust is here to help you with all of your business needs, including one of your biggest headaches—returned checks.

Our electronic check recovery service, Re$ubmitIt® significantly reduces the burden of collecting funds from NSF checks, while potentially doubling your recovery rate. You collect more returned checks and get 100% of the face value of all checks that are collected electronically! Click here to find out more.

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First Northern Bank & Trust | Fourth Street & Lafayette Avenue Palmerton, PA 18071

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